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Garden Club - October 2014

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WillTeasle
Established Contributor

Re: Garden Club - October 2014


@JoMellow wrote:

@-NewGuy- wrote:

@JoMellow wrote:

@-NewGuy- wrote:

@JoMellow wrote:

Info:  In case anyone is interested - I contacted Chase regarding UR points and they will allow you to transfer UR points from Freedom to your spouse's CSP account.  So no need to have to go and get individual CSP's.   Chase is awesome!


That's certainly good to know!


It really is a good thing - get 2x Freedom category spend and then have all the UR points in one place. Kinda hard to beat that kind of deal.  


Yes indeed. Didn't think about the double Freedom part of things. Good idea.


I had thought it would be necessary to get 2 CSP's - in order to make use of the UR points; that they will let you place the points on the spouse's CSP is a pretty big deal - any way to avoid an AF is ok by me! 

 

And I'm really loving the UR points now that I understand them a little. 


Yeah, I knew Chase would allow transfer to a spouse.

 

Might still be worth grabbing a second CSP (for less than one year at least) for the extra sign-up bonus.  Time it right and that's another 50k+ UR transferred to your account.

 

I would've gardened longer earlier this year, but with traveling more now I didn't want to wait to earn the UR points.  Big fan of flying WN for domestic flights and having the ability to use the points for them or transferring to a partner with international flights is a huge perk.  With sign-up bonuses for CSP and CF plus spending put on them to hit the bonus I've got enough UR points to take a trip for two domestically and grab one of two round trip tickets to Europe.

Last HP: 01/10/19 | Latest Scores: EQ FICO8 - 850 | TU FICO8 - 850 | EX FICO8 - 850
Amex BC | Amex HHonors | Amex HHonors Aspire | Amex Marriott Business | Amex Platinum | BoA Alaska Airlines | CF | CFU | CSR | Chase Ink+ | Citi DC | Citi AA UP | Discover IT
Message 1431 of 1,810
tcbofade
Super Contributor

Re: Garden Club - October 2014

Howdy, howdy boys and girls.

 

Nothing new in the credit world....still waiting for statements to cut, CRA's to update, yadda, yadda, yadda....

 

Hope to make another monster payment on a maxed out CC on Monday.  Here's hoping for a good weekend!  Smiley Happy

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 1432 of 1,810
-Wade-
Valued Contributor

Re: Garden Club - October 2014


@tcbofade wrote:

Howdy, howdy boys and girls.

 

Nothing new in the credit world....still waiting for statements to cut, CRA's to update, yadda, yadda, yadda....

 

Hope to make another monster payment on a maxed out CC on Monday.  Here's hoping for a good weekend!  Smiley Happy


Howdy TC!

 

I am checking in to say howdy to eveyone it's been a while

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1433 of 1,810
-Wade-
Valued Contributor

Re: Garden Club - October 2014

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1434 of 1,810
tcbofade
Super Contributor

Re: Garden Club - October 2014


@-Wade- wrote:

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated


...and exactly TWO of them have been helpful.  Smiley Tongue

 

 

(Oh, I'm only kidding, of course....)

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 1435 of 1,810
coldnmn
Mega Contributor

Re: Garden Club - October 2014


@-Wade- wrote:

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated


Smiley Frustrated I'm no chatter box!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 1436 of 1,810
-Wade-
Valued Contributor

Re: Garden Club - October 2014


@coldnmn wrote:

@-Wade- wrote:

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated


Smiley Frustrated I'm no chatter box!


hummmm, I don't know about all that. Anyways is good to see you Smiley Tongue

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1437 of 1,810
coldnmn
Mega Contributor

Re: Garden Club - October 2014


@tcbofade wrote:

@-Wade- wrote:

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated


...and exactly TWO of them have been helpful.  Smiley Tongue

 

 

(Oh, I'm only kidding, of course....)


Smiley Frustrated I thought you were sick! But we have known that for a long time! Smiley Very Happy

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 1438 of 1,810
-Wade-
Valued Contributor

Re: Garden Club - October 2014

I been to busy spenping money and trying to build me a custom rifle Smiley Happy I may need a lil loan from you Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1439 of 1,810
-Wade-
Valued Contributor

Re: Garden Club - October 2014


@coldnmn wrote:

@tcbofade wrote:

@-Wade- wrote:

I guess my ole pal cold is up to 15000 post by now  Smiley Frustrated


...and exactly TWO of them have been helpful.  Smiley Tongue

 

 

(Oh, I'm only kidding, of course....)


Smiley Frustrated I thought you were sick! But we have known that for a long time! Smiley Very Happy


hahaha............I knew you would miss me

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1440 of 1,810
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